A really good minister is a blessing. a mediocre one is not. In my opinion the discussion should be from you, or with you and your wife, to them. Establishing a realistic budget is impossible with car payments and home payments that are out of alignment with earning potential. The children are going to cost more and more as they transition into teen years. Though they won't like it, discussing real financial stability can assist in getting out from under a repossession of either. When individuals feel entitled to an income level, and have experienced it, backing away is difficult. Accepting responsibility is the foundation. Getting into a different home, is reasonable even if less prestige. If it can be done with bank acceptance and no bankruptcy. Trading the expensive to own/operate/insure car to someone so they take over payments and the family gets a reliable older car is one possibility. Enablement in the rebuilding of a positive cash flow direction is flawless, enablement that is continuing their dependence on handouts fails every time for both parties, and teaches bad habits. Best of luck. Jim
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Today's Featured Article - Hydraulics - Cylinder Anatomy - by Curtis von Fange. Let’s make one more addition to our series on hydraulics. I’ve noticed a few questions in the comment section that could pertain to hydraulic cylinders so I thought we could take a short look at this real workhorse of the circuit. Cylinders are the reason for the hydraulic circuit. They take the fluid power delivered from the pump and magically change it into mechanical power. There are many types of cylinders that one might run across on a farm scenario. Each one could take a chapter in
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